Regarding health insurance, there are actually many places in this insurance that need everyone's attention. If you are not careful, you may fall into the pit and waste money;
Is it necessary to buy health insurance? These routines must be paid attention to!
Currently, mainstream health insurance generally includes critical illness insurance and medical insurance.
1, critical illness insurance
Critical illness insurance is used to protect major diseases. If the insured suffers from the disease stipulated in the insurance contract and meets the claim conditions, the insurance company will compensate the corresponding insurance money.
So you can buy an extra critical illness insurance. As long as the insured meets the claim conditions of multiple critical illness insurance, they can claim one by one.
When buying critical illness insurance, we should pay attention to the coverage, such as the coverage of serious illness, moderate illness and mild illness. The proportion of compensation should not be too low, otherwise we can't afford the medical expenses, and we have enough protection to prevent the follow-up rehabilitation expenses from being insufficient.
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Top ten popular critical illness insurance stocks worth buying!
2. Medical insurance
Medical insurance mainly reimburses hospitalization medical expenses, and usually all medical expenses incurred in hospitalization can be reimbursed.
And like ordinary medical insurance, you can buy millions of insurance coverage for only a few hundred dollars a year, which is very cost-effective.
But medical insurance can only reimburse expenses. To put it simply, the insured needs to pay his own medical expenses first, and then take the bill issued by the hospital to the insurance company for reimbursement. How much does it cost?
So generally speaking, medical insurance only needs to buy a high insurance amount, such as the common million medical insurance.
When purchasing medical insurance, we should pay attention to the renewal conditions of products (because many medical insurances only cover one year and need to be renewed when they expire), hospitalization, purchased drugs and value-added services.
Finally, I want to remind you that different age groups, different economic incomes, different future expectations and so on. Will affect the insurance plan. If you want to know what kind of insurance you are suitable for, you can look at the insurance plan I wrote earlier:
How to buy insurance at different ages? Everyone should have his own plan.
That's all the answers. Please accept them.
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